tax analysis review
Take The Tax Challenge
What You Have vs.
What You Keep
How does your retirement portfolio stack up to the tax challenge? Will you pay more than you should when you spend your hard-earned savings? Scroll through the buckets below to learn more.
Click here to download the worksheet
and take the Tax Challenge now!
Cash, Savings, CD's, Bonds, 1099 Income, etc..
401(k)s, Qualified Money, Savings Bonds, 403(b)s, etc.
Roth IRA, 529 Plans, Life Insurance.
Cash, Savings, CD's, Bonds, 1099 Income, etc..
Taxable Account
“Tax me
now”
- Mutual funds
- CD/MMAs
- Real Estate
Non-Qualified
Invest with after-tax dollars; potential to enjoy capital gains rate on some investments
Taxes can impact investment performance on non-qualified assets
Invest with after-tax dollars; potential to enjoy capital gains rate on some investments
- Portfolio Turnover: A measure of a fund’s holdings that have been sold and replaced during the prior year.
- Tax Drag: Can have a significant impact on investment performance over time since any annual taxes due on investments can lower returns.
Rebalancing - Portfolio: When this happens, it often results in selling the over-performing investments and buying the under-performing investments. This can create a significant tax liability.
401(k)s, Qualified Money, Savings Bonds, 403(b)s, etc.
Taxable Account
“Tax me
now”
- Mutual funds
- CD/MMAs
- Real Estate
Non-Qualified
Invest with after-tax dollars; potential to enjoy capital gains rate on some investments
Taxes can impact investment performance on non-qualified assets
Be aware that certain tax events can take a substantial bite out of the investment return within these assets.
Relying too heavily on these assets in the future and/or in retirement means you may:
- Increase your overall tax-burden, especially if taxes increase in the future
- Potentially expose yourself to higher-tax brackets and trigger additional taxes
- Reduce the amount of money you’re able to spend in retirement
Roth IRA, 529 Plans, Life Insurance.
Taxable Account
“Tax me
now”
- Mutual funds
- CD/MMAs
- Real Estate
Non-Qualified
Invest with after-tax dollars; potential to enjoy capital gains rate on some investments
Taxes can impact investment performance on non-qualified assets
Be aware that certain tax events can take a substantial bite out of the investment return within these assets.
- Control how you’re taxed in retirement
- Protect you from the uncertainties of what taxes will be in the future
- Keep more of the money you’ve worked hard to accumulate
Life insurance that builds cash value can help reduce overall exposure to taxes and round out a diversified tax strategy as part of a retirement portfolio. The primary purpose of life insurance is to provide death benefit protection; this strategic approach assumes death benefit protection is a priority for you. Life Insurance can also help to diversify not just your tax strategy but your assets, too.
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Schedule A Time to Review Your Results!
To take a closer look at your retirement plan and the potential tax landmines to
be aware of, schedule a time to meet with me.
REVIEW OR REPORT
Who Provides the REVIEW
OR REPORT?
Carlos Dias Jr.
(407) 801-2244
carlos@diaswealth.com
Carlos Dias Jr. is a financial advisor, public speaker, instructor, and president of Dias Wealth LLC, offering strategic financial planning services to business owners, executives, retirees, and professional athletes. As an instructor and presenter for multiple CPA societies, he’s educated over 100,000 accountants, attorneys, and business professionals on integrating different investments and insurance products when developing tax, estate, and long-term care plans.
Carlos is a nationally syndicated columnist for Kiplinger and has contributed, been featured or quoted in several publications including Forbes, MarketWatch, Bloomberg, CNBC, The Wall Street Journal, U.S. News & World Report, USA Today and several others. He’s also been interviewed on various radio and television stations. Carlos is multilingual, fluent in both Portuguese and Spanish.